I can appreciate your view of grace. It fits well with saved by grace through faith. What it is missing in my reasoning is the promise of writing in the hearts and minds the laws of God making a man righteous on the inside. To put one's faith in the Christ is not an ability all men have at their discretion. The blood of the New Covenant is an atonement not all seem to be able to comprehend much less believe in. I believe a man must have some Word of God present to ascertain understanding and come to believe. Therefore what looks to us like men choosing would be in reality Christ dividing or sifting. I say this not to take credit for believing but to not take credit for believing.
We are made righteous through Christ, and His Atonement on the cross. Once the Holy Spirit has indwelt /sealed you you are cleansed of ALL your sins and are (Born again Spiritually.) We no longer are under law but under Grace. God's gift of Salvation through Grace is a free gift to ALL men, but will not be received by, ALL this is true...
You say: " I believe a man must have some Word of God present to ascertain understanding and come to believe." Your right. "Faith comes by hearing and hearing by the Word of God." Unless a person is exposed to the written "Word of God," he will not hear about the Grace, (forgiveness/mercy) offered to mankind, through the shed blood of Jesus His Son...
The Bible says: "For by Grace you have been saved through faith,(human faith being the beginning) and that not of yourselves; it is the gift of God, ( It's not speaking here of faith, it's talking about God's Grace) not of works lest anyone should boast. (Ephesians 2:8-9)
Romans 10:8-15 The word of faith which was being preached. Read these passages "VERY" carefully...It will explain, "the way of faith."